Archive for March, 2014

Healthy Eating Habits Leads To A Better Life

Healthy eating is not about starving yourself and but eating a balanced diet in moderation consistenly over a period of time.

When your BMI or Body Mass Index is in the normal range, you will :

  • Avoid diseases like heart attack, cancer, diabetes
  • Feel energetic & happy, cut down fatigue & frustration, stabilize mood
  • Be productive and make more money
  • Have a great life with family and friends

You can achieve all of this if you learn the basics of nutrition and use them appropriately to create and maintain a healthy, tasty diet suitable for you.

Moderation is essential

To sustain a healthy body; you require a balanced diet of protein, fiber, carbohydrates, minerals and vitamins in moderation. Eat what is good for your body not what is good for your tongue whenever your craving kicks-in.

How, when and what you eat matters

In order to learn healthy eating habits, you must first realize that food is a source of nourishment rather than just gulping down something tasty at various intervals during the day. Some healthy eating habits include eating when you are really hungry, eating with other people, eating small meals 3 to 4 times a day and not eating at night before going to bed,(avoiding after dinner snacks).

Eat more fruits & vegetables

A healthy diet also depends on how much fruits and vegetables you eat. Fruits and vegetables are low in calories and rich in nutrients and naturally packed with antioxidants, fiber, minerals, and vitamins. The brighter the fruits and vegetables the better, and choose different fruits and vegetables for your daily meals to add some color and variety. You should try to eat five portions of fruits and vegetables each day, i.e. with each meal and if possible, even during snack time.

Healthy carbohydrates and fiber are good

Choose foods that are a good source of healthy carbohydrates and fiber, particularly whole grains, because you will gain long lasting energy. Additionally, whole grains tend to be satisfying and tasty, and are also rich in antioxidants and phytochemicals that defend the body against certain cancers, coronary heart disease, and diabetes. The more whole grains you eat, the healthier your heart will be.

Healthy eating is not as complicated as it appears to be. Everyone can do this and its all in your mind. Just think you can and do it, to be on your way to a better life.

Do you have the home insurance coverage you need?

There are many factors beyond the insurance company, the premium costs and basic categories that determine if you are getting the home insurance coverage you need. Many people trust that they are completely covered, while in fact there are gaps in their policy that could create devastating consequences in the event of a large or small scale disaster. You can get an idea of how protected you are by your current or potential plan by evaluating on two sets of criteria:

Understand what is actually in the policy compared to what you thought was included
While this may sound simple enough, explore your specific protection by thoroughly reading the policy fine print on the following areas:

  • Structure loss coverage due to fire or lightning- will it cover your mortgage and current market value?
  • Personal property loss- what amount do they value replacing your items?
  • Loss of use- where will you live in the interim?
  • Medical payments-does it include falls, burns or other injuries- and to whom?
  • Natural disasters -define which ones are covered and how

Understand what is not covered and how difficult is to become protected
Once you understand what is included in the policy you have or are considering, take an objective look at any gaps that could create issues later on. Some common areas to consider:

  • Floods, earthquakes, and sinkholes are usually exclusions
  • Mold and water damage (coverage may be determined by the cause)
  • Injuries by undisclosed pets or certain breeds
  • Wind (roof damage, straight line winds) or hail may or may not be covered in the way expected, or may carry a much higher deductible than the rest of the policy if they are included.

The language on the policy can make it tough for anyone without an insurance background to understand. Working with a trusted insurance agent can allow you to talk to them and walk through every line of the coverage and exclusions. You can also take the time to think back a few years and consider storms or disasters in your area as a basis from identifying possible claims that could come up.  Find insurance agents on within your local area.

Some of the items not covered are generally excluded from any plan, and require a different option for gaining coverage. For example, flood insurance is often only available through state or federal agencies. Earthquakes may not be covered, but can sometimes be added at an additional cost as an endorsement on a policy.

Once you consider what is and is not included in your particular policy, it is easier to be satisfied that you currently have the home insurance coverage you need, or know what additional coverages are needed. So, identifying the gaps can help secure the home insurance coverage you need.

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